LiveWise Insurance Services (“we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you visit our website, interact with us, or use our services.
1. Information We Collect
We may collect the following types of information:
A. Personal Information
Name, address, phone number, and email address
Date of birth, Social Security number (if necessary for services)
Insurance and financial information, including policy details
Employment and retirement details for insurance planning
B. Non-Personal Information
IP address, browser type, and device information
Website usage data through cookies and analytics tools
Pages visited, time spent on the website, and other interactions
2. How We Use Your Information
We use your information to:
Provide, personalize, and improve our insurance services
Process applications and policy updates
Respond to inquiries and provide customer support
Send important policy updates, newsletters, or marketing messages (you may opt out)
Detect fraud, ensure security, and comply with legal requirements
3. How We Share Your Information
We do not sell or rent your personal information. However, we may share it with:
Insurance carriers and financial institutions to process applications
Third-party service providers (e.g., IT services, analytics tools) to operate our business
Legal or regulatory authorities if required by law or to protect our rights
Business transfers in the case of mergers or acquisitions
4. Cookies and Tracking Technologies
We use cookies and similar technologies to enhance user experience and analyze website traffic. You can manage cookie preferences through your browser settings.
5. Data Security
We implement security measures to protect your information from unauthorized access, disclosure, or loss. However, no method of transmission is 100% secure, so we encourage safe online practices.
6. Your Privacy Rights
Depending on your state of residence, you may have rights to:
Access, correct, or delete your personal data
Opt-out of marketing communications
Restrict data processing in certain cases
To exercise these rights, contact us at [Insert Contact Email or Phone Number].
7. Third-Party Links
Our website may contain links to third-party sites. We are not responsible for their privacy practices.
8. Changes to This Policy
We may update this policy periodically. Changes will be posted with an updated effective date.
1- SMS Consent
Communication: The information (Phone Numbers) obtained as part of the SMS consent process will not be shared with third parties for marketing purposes.
2- Types of SMS
Communications: If you have consented to receive text messages from LiveWise Insurance Services, you may receive messages for conversational purposes. For example:
“This is Dennis with LiveWise Insurance Services. Your appointment is at 8:30 AM on Tuesday, February 25th. Reply STOP to opt-out; Reply HELP for support at (213) 720-2323 or visit www.livewiseinsurance.com; Message & data rates may apply; Messaging frequency may vary.”
3- Message Frequency:
Message frequency may vary depending on the type of communication. For example, you may receive 5 – 40 SMS messages per week related to your appointments/billing, etc.
4- Potential Fees for SMS
Messaging: Please note that standard message and data rates may apply,
depending on your carrier’s pricing plan. These fees may vary if the message is sent domestically or internationally.
5- Opt-In Method: You may
opt-in to receive SMS messages from LiveWise Insurance Services in the following ways:
– They fill out a website form
– Ask for verbal confirmation. We get consent verbally by asking “Do you agree to receive Conversations (external) text messages from LiveWise Insurance Services. Reply STOP to opt-out; Reply HELP for support; Message & data rates may apply; Messaging frequency may vary. Visit https://livewiseinsurance.com/privacy-policy-terms-and-conditions/ to see our privacy policy and https://livewiseinsurance.com/privacy-policy-terms-and-conditions/ for our Terms of Service.”
6- Opt-Out Method:
You can opt out of receiving SMS messages at any time. To do so, simply reply “STOP” to any SMS message you receive. Alternatively, you can contact us directly to request removal from our messaging list.
7- Help:
If you are experiencing any issues, you can reply with the keyword HELP. Or, you can get help directly from us on the “Contact Us” page.
Additional Options:
8- Standard Messaging Disclosures:
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